Maximizing Your Annuity

I’ve been riding this topic hard for the last few months and for a good reason!  One of the best funding sources for long term care comes from nonqualified deferred annuities! And, with the unofficial start of summer a few days ago, we all know that now is not the time to take the foot... Continue Reading →

Self-funding Cap

Last week, I started a conversation about self-funding a long term care and I shared a few examples of potential future costs.  As a reminder, OneAmerica offers an  Interactive Cost of Care Map that can help you find the cost of care anywhere in the country.  It’s a great tool to have on your mobile... Continue Reading →

Self-funding Consider the Costs

There are lots of perspectives about long term care and how to pay for it.  An insurance-based strategy is the most cost efficient method regardless of what someone’s net worth. Unfortunately, many people make the decision to self-fund their long term care.  This week, let’s use some numbers to compare the scenarios.  I am going... Continue Reading →

An Old Idea – Split Annuity

We have been on the tax-deferred to tax-free for LTC train for the past few weeks.  It all started with our March episode of Coffee Break.  If you have not seen that episode yet, please take a moment.  I am sure that you’ll get a nugget or two of information from it.  Remember, a new... Continue Reading →

Does It Qualify

A couple of weeks ago on Coffee Break, we shared information about Annuity Care and, in last week’s Fridays with Fisher, I talked about the segment of the tax-code that creates the tax-free benefits offered by Annuity Care. One thing that I often hear is “XYZ indexed annuity includes long term care benefits”.  As I... Continue Reading →

Qualified Money & Leverage

A few weeks ago on Coffee Break, we talked about our turnkey funding strategy for Asset Care using qualified money.  We’ve generated a lot of calls into the sales desk and we thank you for questions and the opportunity to discuss our truly unique strategy. Way back when I first started in the insurance industry... Continue Reading →

Asset Care with & without ROP

Our discussion for the past couple weeks has been focused on Asset Care and the Return of Premium product solution.  Today, we will piggy back off of the previous discussions and I’ll share with you a conversation that I had with an advisor a short time ago. Before we get into it, if you have... Continue Reading →

ICE & 4 Ls From Niki Johnson

A couple weeks ago on Coffee Break, I was joined by Jen Wagoner, Elaine Marvin, and Niki Johnson to share some perspectives about our Asset Care Return of Premium product.  If you have not seen the January Coffee Break, you can check it out here.  Or, you go to the website where you can... Continue Reading →

Asset Care ROP Color Commentary

Last week, our first Coffee Break episode of 2022 was released.  In it, I was joined by Jen Wagoner, Elaine Marvin, and Niki Johnson.  We talked about the Asset Care Return of Premium product solution that was introduced with the 2017 Asset Care reprice.  If you have not seen the January Coffee Break, you can... Continue Reading →

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